Rates

Savings Accounts

Money Management Accounts

IRA Accounts

Consumer Loan Rates

Mortgage Rates

 

 

Savings Rates

All rates subject to change. 
Membership eligibility required. 
♦ Includes Health Savings Accounts (HSA)

Share Type

Minimum Dividend Balance

Dividend Rate

Annual Percentage Yield*

Div. Period

 Share/Open Deposit ♦

$25 

 .05

 .05

MO 

Christmas 

 $25

 .05

.05

MO 

Escrow 

 $25

 .05

.05

MO 

 Share Draft

 $2500

 .05

.05

MO 

  Health Savings &
Commercial
Share Draft

Non-Interest 

 

 

 

Money Management Accounts
Health Savings Money Management Accounts

Dividend Balance Dividend Rate Annual Percentage Yield* Div. Period
$25 - $2999.99 .05 .05 MO
$3000 -$ 7499.99 .10 .10 MO
$7500 - $14999.99 .15 .15 MO
$15000 - $49999.99 .20 .20 MO
$50000 & over .25 .25 MO

*Annual Percentage Yield is accurate
as of the last dividend declaration date. 

Fees may reduce earnings. 
Rate may change after account is opened. 

Share Certificates
Share Type Minimum
Dividend
Balance
Dividend
Rate
Annual Percentage Yield ** Div.
Period
3 Month
Certificate
$500 .20 .20 MO

6 Month Certificate ♦

$500 

.30

.30

MO 

 12 Month Certificate ♦

$500 

 .45

.45

MO 

 18 Month Certificate ♦

$500 

.70

.70

MO 

30 Month Certificate ♦

$500 

.80

.80

MO 

48 Month Certificate ♦

 $500

 1.00

1.00

MO 

A penalty may be imposed
for withdrawal before maturity. 

** Annual Percentage Yield
is accurate as of May 20, 2019.

 

Individual Retirement Accounts

All rates subject to change. 
Membership eligibility required. 

 Share Type

 Minimum Dividend Balance

 Dividend  Rate

 Annual Percentage Yield *

 Div. Period

 IRA Open Deposit

 $25

 .10

.10 

 MO

*Annual Percentage Yield is accurate as
of the last dividend declaration date. 
Fees may reduce earnings. 
Rate may change after account is opened. 
 Share Certificates
Share Type Minimum Dividend Balance Dividend
Rate
Annual Percentage Yield ** Div. Period

 12 Month Certificate

$500 

.45

.45

 MO

 12 Month Certificate

$15000 

.45

 .45

 MO

 12 Month Certificate

$25000 

 .45

.45

MO 

 18 Month Certificate

$500 

.70

.70

MO 

 18 Month Certificate

$15000 

.70

.70

MO 

 18 Month Certificate

 $25000

.70

.70

MO 

 30 Month Certificate

$500 

 .80

.80

 MO

 30 Month Certificate

$15000 

.80

.80

 MO

30 Month Certificate

$25000

.80

.80

MO

48 Month Certificate

$500

1.00

1.00

MO

48 Month Certificate

$15000

1.00

1.00

MO

48 Month Certificate

$25000

1.00

1.00

MO

A penalty may be imposed
for withdrawal before maturity. 
  ** Annual Percentage Yield
is accurate as of May 20, 2019. 

Savings Rates: 04/02/2018

 Rev: 05/20/2019
 
 

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Consumer Loan Rates

Membership eligibility required | Individual credit score may affect posted rate
*APR = Annual Percentage Rate | Rates may change without further notice

Titled Collateral •
Autos. RVs, Motorcycles, Boats, etc.

2016 - Newer    
Term APR*+ Monthly Payment**
36 months 3.24% $29.19
48 months 3.49% $22.35
60 months 3.74% $18.30
72 months 4.24% $15.75
2011 - 2015    
Term APR*+ Monthly Payment**
36 months 4.24% $29.63
48 months 4.49% $22.80
60 months 4.74% $18.75
2010 - Older    
Term APR*+ Monthly Payment**
36 months 5.24% $30.08
48 months 5.49%

$23.25

 

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Untitled Collateral •
ATVs, UTVs, Snowmobiles, Boats, Trailers, etc.

2016 - Newer    
Term APR*+ Monthly Payment**
36 months  5.24%  $30.08
48 months  5.49%  $23.25
60 months  5.74%  $19.21
72 months  6.24%  $16.69
2011 - 2015


Term APR*+ Monthly Payment**
36 months  6.49%  $30.64
48 months  6.74%  $23.83
60 months  6.99%  $19.80
2010 - Older    
Term APR*+ Monthly Payment**
36 months  7.74%  $31.22
48 months  7.99%  $24.41

Visa or Mastercard Credit Card
13.90 APR*
Repayment Terms: 2% of outstanding balance or $20, whichever is greater.

Share/Share Certificate Secured Loan
3.00% Over Dividend Rate
Dividend rate as of the last declaration date
of the pledged account at time of loan closing.

 Kwik Cash
 9.75% APR*
Repayment Terms: 2% of outstanding balance or $15, whichever is greater. Variable rate may increase after consummation.

Unsecured Loan •
Term APR* Monthly Payment**
36 Months 8.90% $31.75

** Monthly payment is based on principal and interest
per $1000 for rate and term  | • Loan exception additional .50%
+ APR posted is based on credit score of 700 or above and 100% loan to value

  Ask about the Flip Flop Your Loan Promotion!

.25% Rate Discount For Automatic Payments

Not valid on REAP, ARM, Construction,
7 & 10 Year Fixed Rate or Line of Credit Loans

Premier Financial Credit Union Mortgage Rates
Individual credit score, debt ratio and loan to value may affect posted rate Membership Eligibility Required
*APR = Annual Percentage Rate | Rates may change without further notice  Credit Union NMLSR ID# 705211

Adjustable-Rate Mortgage
Owner Occupied & Second Home
  First Mortgage Second Mortgage
Term ◊Interest Rate APR* Monthly Payment+ APR* Monthly Payment+
61/24 Mo 3.50% 4.146% $449.17 4.135% $71.50
◊The initial rate is not based on the established index and is based on the borrower's credit worthiness. The interest rate, APR, and margin listed are based on a credit score of 700 or greater.  The first interest rate adjustment will occur in 61 months and every 24 months thereafter. +First Mortgage: Monthly payment based on a loan amount of $100,000.00 and 30-year amortization. This example includes origination fees. Rate and payment at first adjustment (based on the index and margins effective as of 01/07/2020):  4.50% APR, amortized for 299 months, with an estimated loan balance of $89,524.51 the monthly payment will be $498.65.  Second Mortgage: Monthly payment based on a loan amount of $10,000.00 and 15-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 01/07/2020):  4.50% APR, amortized for 119 months, with an estimated loan balance of $7,180.09 the monthly payment will be $74.92.  These payment examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater. The APR is variable and subject to change after the 61 months and may cause the payment to increase.  Index = Prime Rate published in the Wall Street Journal.  See credit union for full details.  
  

 
Fixed Rate Mortgage
Term Interest Rate APR* Monthly Payment+
7 Year (84 Mo) 3.99% 4.063% $683.18
10 Year (120 Mo) 3.99% 4.043% $505.99
+Monthly payment based on a loan amount of $50,000.00.  This includes origination fees.  These payment calculation examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable, the actual payment obligation will be greater.  New money required to refinance existing PFCU loans at this rate.  Offer not valid on business loans. 7 or 10 year terms are fully amortized.

Mobile Home Balloon ***•

Term

APR*

Monthly Payment**

61 Month Balloon

7.40%

$10.50

*** Loan amortization for new is 180 months, for 1-3 years old is 144 months, for 4-7 years old is 120 months, for 8-10 years old is 84 months, over 10 years is fixed for 60 months. 

• Loan Exception - Additional .50%        
 * APR = Annual Percentage Rate         
** Monthly Payment is based on principal
and interest per $1000 for rate and term. 

 

Real Estate Balloon Loans
Non-Owner Occupied & Vacant Land

 

 

First Mortgage

 

 

Second Mortgage
(First Mortgage
at PFCU)

 

 

Second Mortgage

 Term

Interest Rate

APR*

Monthly Payment+ APR* Monthly
Payment+

APR*

 Monthly Payment+

24
MO

4.70% 4.773% $643.64  4.70% $77.54  5.25% $80.41
36 MO 4.99%  5.041%  $659.56 4.99%  $79.05  5.40% $81.20

60
MO

5.15% 5.183% $668.43 5.15% $79.88 5.50% $81.73

Individual credit score may affect posted rate

+ First Mortgage: Monthly payment based on a loan amount of $100,000.00 with a 20 year amortization and final balloon payment due on the maturity date. This includes origination fees. +Second Mortgage: Monthly payment based on a loan amount of $10,000.00 with a 15 year amortization and final balloon payment due on the maturity date. These payment examples  do not include any mortgage insurance premiums, real estate taxes, homeowner's insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater. 

Construction Loan

Contact Us!

Home Equity Line of Credit (REAP)

Variable Rate

4.75% APR*

Variable rate may
increase after consummation.

Variable Maximim Rate is 16.40% APR*. 

Fixed Rate

4.99% APR*

 

Long Term Fixed Mortgages
Saleable Loans

10 Year

Purchase or Refinance

15 Year

Purchase or Refinance

20 Year

Purchase or Refinance

30 Year

Purchase or Refinance

Phone: 920.898.4232 for current rates

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Rates may change without further notice.

Loan rates effective:01/07/2020

 

 

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